Wire & ACH Operations Specialist

Security Federal Bank; South Carolina; On-site; USD 55,000 - 75,000; Full time

Job summary

Security Federal Bank is seeking a detail-oriented Wire & ACH Specialist to ensure accurate, timely processing of electronic payments, including wire transfers and ACH operations. You will support daily payment activities, monitor exceptions, balance ledgers, and ensure regulatory compliance.

The role provides cross-training within the Payment Solutions area and maintains procedural documentation to support audit efforts and branch guidance. A focused, compliant communicator is essential.

Qualifications

• Experience processing domestic and international wire transfers.
• Experience managing ACH origination files, returns, corrections and exceptions.
• Balance ACH-related general ledger accounts and reconcile daily activity.
• Set up and verify ACH Automatic Transfers (AFTs).
• Monitor ACH reports, return ratios, notifications of change, and reclamations.
• Maintain accurate records through scanning, indexing and retention procedures.
• Ensure compliance with NACHA rules, BSA/AML and internal policies.
• Provide operational support and guidance to branches and departments.
• Maintain and update departmental procedures and participate in cross-training initiatives.

Responsibilities

• Process incoming and outgoing domestic and international wire transfers.
• Manage ACH origination files, returns, corrections, and exception items.
• Balance ACH-related general ledger accounts and reconcile daily activity.
• Set up and verify ACH Automatic Transfers (AFTs).
• Monitor ACH reports, return ratios, notifications of change, and reclamations.
• Maintain accurate records through scanning, indexing, and document retention procedures.
• Ensure compliance with NACHA rules, BSA/AML requirements, and internal policies.
• Provide operational support and guidance to branch and department personnel.
• Maintain and update departmental procedures and participate in cross-training initiatives.
• Support departmental backup functions and special projects as assigned

Skills

Wire transfers

ACH processing

Regulatory compliance

Audit & reconciliation

BSA/AML

Documentation

Job description

Security Federal Bank is seeking a detail-oriented Wire & ACH Specialist to ensure accurate, timely processing of electronic payments, including wire transfers and ACH operations. You will support daily payment activities, monitor exceptions, balance ledgers, and ensure regulatory compliance.

The role provides cross-training within the Payment Solutions area and maintains procedural documentation to support audit efforts and branch guidance. A focused, compliant communicator is essential.